- Fill in the application: In the loan application, choose the amount and term and enter your income, your expenses and any existing debts. You do not need to register separately.
- Pre-check: Your creditworthiness is pre-checked online straight away. If the result is tight, you can lower the amount or extend the term.
- Submit: When you submit the application, your account is opened. Confirm your email address using the link we send you.
- Documents: You upload the requested documents in your account. You will also find the invitation to identify yourself there.
- Review and offer: We review your application in full, set your rating and send you an offer with the interest rate and the annual percentage rate.
- Funding: If you accept the offer, we publish your loan project. Investors fund it.
- Identification, contracts and payout: After the funding, you receive the contracts. By then at the latest you must have identified yourself, see How do I identify myself? Once the statutory withdrawal period has passed, we pay out the loan.
You can see the status of your application in your account at any time.